What is it that makes Santander so bad?
I been with them years, no complaints, free business banking too, so a lot cheaper than Lloyds who I was with before.
Santander and Lloyds and most other major banks are part of the faster payments system now so BACs goes through in max of 3hrs, but most of the time it's like 20 mins, so thats the same with all.
I would think they are all much of a muchness.